Credit Representative

Farm Credit East•Auburn, ME

11d•$55,000 - $95,000•Hybrid

About The Position

Join a team focused on the success of our customers, the success of our communities, and the success of each other. Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with $13.5 billion in total loan volume and $29 million in annual financial services revenue from 18,000 customers across our 8-state territory. We are One Team Working Together with a focus on our five pillars: Outstanding Customer and Employee Experience, Quality Growth, Operational Excellence, Commitment to our Communities, and Protecting Customer Information. As a Credit Representative , your job is to make loans to existing and new farm customers who meet Farm Credit East’s underwriting requirements. Loan products include but are not limited to annual lines of credit, equipment debt and real estate financing. This role includes understanding clients' financials to determine appropriate lending products and communication with customers about those loan products. Marketing to new customers is a priority, thus this role also includes cross selling other Farm Credit East products and services (payroll, consulting, crop insurance, record keeping services, and tax preparation, etc.) to existing and potential customers. All of this is done with the goal of helping our customers be successful in their enterprises by providing valuable solutions to their business needs. Daily job varies from meeting with clients, reviewing their financials, negotiating terms,submitting the loan for approval and closing the deal. Marketing is a requirement; those who are outgoing and willing to take the time to know existing and potential clients’ needs and match products and services to those needs will be most successful. Team player, positive attitude and the ability to work with peers within the home marketplace, the region and across Farm Credit East are required attributes of the lender. Come join a collaborative, customer-focused team at Farm Credit East!

Requirements

This position requires a Bachelor's degree in Economics, Finance, Accounting, Business or a related field.
Knowledge of agriculture, finances, credit and credit administration is preferred.
Strong marketing and interpersonal skills are required, as are verbal and written communications and analytical skills.
Must be team oriented.
The position requires the ability to travel as needed.

Nice To Haves

Knowledge of agriculture, finances, credit and credit administration is preferred.

Responsibilities

Manages the day-to-day customer relationships of credits within your respective customer segment (Retail)
Proactive portfolio management by understanding and analyzing industry trends, market data, and customer knowledge leading to a consultative lending approach
Positions a team approach serving as the lead for all customer facing activities with support from loan coordinator and financial services
Creates and maintains a documented 360-degree view of the customer, in the core application, to maximize the customer experience
Work collaboratively with teammates to generate cross-selling results and a best-in-class customer experience through a cohesive and holistic approach
Provides functional guidance to credit analysts, loan documentation specialists and other roles to ensure customer’s requirements are met while conforming to credit policy and requirements
Monitors borrowers within assigned loan portfolio to document compliance with terms and conditions, covenants, inspections, credit quality, and risk assessment to ensure a safe and sound portfolio
Meets with existing and prospective customers to review financials, propose loan structure, evaluate pricing options and address short-term and long-term objectives of the borrower
Achieve growth targets by performing business development activities that expand existing customer relationships and bring new customers to the Association
Seeks and vets both traditional and non-traditional opportunities, ranging from the farm to the agri-business along with all participants of the ag value chain who are credit worthy and eligible
Prioritizes high value add interactions with customers day in and day out through active relationships and sound customer understanding
Promotes the FCE brand in their region
Builds and nurtures Centers of Influence (community presence, network, and external partners) to generate new referrals
Utilizes the 360-degree view of the customer to drive cross-selling opportunities – identify, collaborate, generate, or act upon, internal referrals to or from other segments of Farm Credit East
Develops expertise and working knowledge within Ag segments, serving as a Trusted Advisor
Embraces the transformation of the Association through adoption and utilization of new processes, procedures, and digital tools with the intent to deliver a high-level customer experience

Benefits

Short-Term Incentive to reward business results
Retirement Contributions : 401k match up to 6% of salary; or for those unable to take full advantage of the 401(k) match, verified student loan payments may qualify for an employer match in your 401(k) up to 6% of salary
Defined Contribution retirement plan funded at 2-9% of salary depending on years of service
Time Off: 15-25 days of vacation leave per year, depending on years of service
12 days of holiday leave per year
7.5 days of sick leave in your first year, followed by 12 days of sick leave per year thereafter; unlimited rollover of unused sick leave year to year
Paid Parental Leave: Up to 80 hours of paid leave for birthing, non-birthing, and adoptive parents
Family Care Leave: Additional leave options available under FMLA and company policy
Comprehensive medical, dental, and vision plans, including preventive care and wellness programs to support your overall health and well-being
Health Savings Account
Life insurance at 2x base pay
Accidental Death and Dismemberment insurance at 2x base pay
Long-term disability insurance at 2/3 base pay
Tuition reimbursement
Continuing education and training
Employee Assistance Program offering a wide variety of tools and resources